Tell us your budget to see your options instantly.
Whether you have bad credit, no credit, or past financial struggles, our specialized dealer network has a financing solution for you.
We help employed Canadians get approved for car loans with flexible terms that fit your budget and lifestyle.
Skip the dealership wait. Apply online, get verified quickly through our secure SMS system, and drive away faster.
We've streamlined the process. Get matched with the right dealer and drive away faster, with zero hassle.
Tell us a bit about your employment and income in our secure, micro-step online form.
Our national network of sub-prime and near-prime dealers will review your profile and contact you with options.
Sign the paperwork with your matched dealer and pick up the keys to your new car!
If you meet the following minimum requirements, your chances of approval are incredibly high. Review the checklist to see if you're ready to get matched with a dealer today.
See how we've helped thousands of Canadians get approved and drive away in their perfect vehicle.
"My credit took a hit a few years ago, so I was terrified of being rejected. Not only did they approve me, but they matched me with a dealer who didn't judge my situation. Driving my new Civic to work today. Huge thanks!"
"I needed a reliable SUV fast before the winter really hit. The online form literally took me 2 minutes. By the next afternoon, I was signing papers at a local dealership. Fastest process ever."
"What I loved most was the transparency. The dealer they connected me with laid out all the monthly payments clearly. No hidden fees, no shady sales tactics. Just an honest, affordable car loan."
"As a single mom, I needed a safe minivan but was worried about the monthly costs. They actually listened to my budget constraints ($350/month max) and found a financing plan that fit perfectly."
"I always hated spending hours at dealerships just to get denied. This online network changed everything. I knew exactly what I qualified for before I even stepped foot on the lot. Highly recommended!"
"The SMS verification was super quick and secure. I didn't have to scan and upload a million documents. If you have a steady job, they will definitely find a way to get you approved."
"Being relatively new to Canada, my credit history is very thin. Traditional banks just said no. The dealer I was matched with here looked at my employment instead of just a credit score. Great service."
"Zero hassle. I filled out the form while having my morning coffee, got a call around noon, and picked up my Toyota Corolla the very next day. They really mean it when they say it's an easy process."
"With baby number 3 on the way, our old sedan just wasn't cutting it. We thought upgrading to a larger SUV would destroy our budget, but the dealer gave us an amazing trade-in deal and kept payments low."
Got questions? We've got answers. Here is everything you need to know about our auto loan approval process.
Yes! We work with a national dealer network that specializes in sub-prime financing. The most important factor is having a consistent income that shows you can afford to finance a vehicle.
Yes. In order to evaluate your creditworthiness and tailor the right financing plan for you, the auto dealers will need to pull your credit report.
Rates and payments vary depending on your personal credit profile and the vehicle you choose. Dealers must evaluate your application first before discussing specific APRs or monthly payments.
Yes, provided you have a consistent minimum monthly income of $1,800. Be prepared to show proof of consistent earnings (like bank statements). Please note that financing can sometimes be more difficult for gig workers without verifiable regular income.
The process is designed for speed. Once you complete our secure online form and SMS verification, you'll be quickly matched with a dealer. Many of our customers sign their paperwork and drive away in their vehicle within just a few days!
Absolutely! Our national network of dealers specifically helps Canadians who have been turned down by traditional banks or dealerships. We look at your steady employment and income rather than just a number on a credit report.